Nitpicky tangent:
rationality which is at it's core about doing non obvious things that result in better outcomes once you do the math
Don't neglect the obvious things that result in better outcomes.
You're either already doing those or they're not actually obvious.
This is a thread where people can ask questions that they would ordinarily feel embarrassed for not knowing the answer to. The previous "stupid" questions thread went to over 800 comments in two and a half weeks, so I think it's time for a new one.